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Have Kids? Then You Need Life Insurance to Make Sure They are Protected!

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Life insurance is not the sort of thing that gets a warm welcome as soon as it is mentioned. It doesn’t quite have the same appeal as, say, Girl Scout cookies or a trip to Disneyland. Instead, as soon as the term is spoken, people think of the inevitable and want to change the subject. However, the unexpected does happen on a regular basis, and a lack of planning can really put a family in a lurch, especially when living on a single income.

This is where life insurance, properly set up, becomes a critical safety net in a family’s financial portfolio, ensuring that the long-term security of the family is taken care of. However, kids grow older, and what is needed for life insurance can change dramatically. The long-term coverage necessary with a new family and young children isn’t necessarily the same need when the kids are ready to move out of the house and support is needed to take care of a partner. Unfortunately, a simple term life insurance policy doesn’t give a family the flexibility to change as its needs for protection change over time.

This is where the Nest Insurance Agency can really help Amarillo and Lubbock, TX families. They have a wide assortment of policy tools available that can be tailored to both immediate and long-term needs, allowing families to shift their priorities over time. Families in Amarillo and Lubbock, TX are the same as everywhere else, they grow and change, and need different things over time. Let the Nest Insurance Agency help your family secure the right financial safety net for your needs today and throughout the future. There’s no need to settle with a generic life insurance tool that doesn’t change as your life changes over time.

6 Things You Need to Ask Your Auto Insurance Agent

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Talking with an auto insurance agent at the Nest Insurance Agency in Lubbock or Amarillo, TX can help drivers choose what insurance policy they want and need for their vehicle. The selection of that policy is critical because it affects whether a driver is protected if they are in an accident, their car is stolen, or other problems come to light. Getting the right advice from a trusted insurance agent is a good way to have peace of mind, and to make sure your vehicle is not at risk.

Here are six questions to ask your insurance agent before choosing them or a policy they offer.

  1. Can you provide multiple quotes?
  2. What are the state requirements?
  3. How long have you been in business?
  4. Who do I call when I have questions?
  5. What happens if there is a problem after hours?
  6. What about changing the insurance coverage?

Never be afraid to ask your insurance agent these questions and more, so you feel comfortable choosing a policy from them. The final choice of policy is up to the driver, but understanding which policy is recommended and why is a great way to know more about insurance protection. By contacting Nest Insurance Agency, drivers in Lubbock and Amarillo, TX can focus on protecting their vehicles and feeling good about the level of coverage they have.

That way they are comfortable with the level of knowledge their insurance agent has and can work with them in choosing a policy that is going to be the right option. You do not have to just randomly pick a coverage or work with a faceless agent online when you can talk in person with a trusted agent who can guide you to the best policy for your needs.

Do I need insurance if my employees get hurt at work?

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There is no doubt that your employees are the most important part of your business. They keep the place going, and contribute parts of their lives to make sure your company gets its work done. Unfortunately, there are times when your employees get injured or ill while in your employ, whether on your premises or while out on business for you. 

Because of liability laws, you are responsible for their well-being during those times. If their injuries occurred as a result of negligence, they need to be compensated for their injuries. It is important for them to receive appropriate medical care at no cost to themselves. If you do not provide this basic care, your employees can sue you in order to force you to pay for their damages.

You can explore various options for obtaining Worker’s Compensation Insurance at Nest Insurance Agency. Depending on your location and the size of your company, you may not be required to carry Worker’s Compensation Insurance. There are also special rules for contract work. However, you can still be sued to pay for any injuries or illnesses which occur while someone is in your employ. 

Your policy should cover potential injuries, lost wages, fees for temporary replacement workers, and even legal fees. Otherwise, you could end up being liable for all these damages without warning in the event of an accident. This kind of loss could seriously damage your business if you were not protected, leading to financial difficulties.

At  Nest Insurance Agency, we can help you compare various Worker’s Compensation Insurance policies so that your business is protected based on your own needs.

4 Reasons Why many Love Home Insurance

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Owning a home is an important investment in life hence it should be protected at all costs. Having a quality home insurance policy from Nest Insurance Agency is therefore very essential and shows that you are a responsible homeowner. However, most homeowners are unaware of the benefits associated with this insurance policy. Below are four reasons why many residents of Lubbock and Amarillo, TX love home insurance.

1. Protection from risk of Fire

Notably, there are approximately 1.5 million cases of fire in the United States every year. This results in damage to property worth at least $14.3 billion according to National Fire Protection Association. According to research, the main cause of these fires is cooking. However, home insurance owners are always at peace of mind since this liability threat is covered by their insurance policy. As such, you should consider purchasing this policy.

2. Protection from Theft

According to FBI reports, an average of 1 million home invasions are reported every year leading to an approximate property loss of an estimated $2,296. Most of these burglaries occur between 10 a.m. and 3 p.m., a time when most people are at school or work. As such, it is tough to curb them. However, those with a home insurance policy do not have to worry about the safety of their property since all liabilities are covered.

3. Protection from things which fall from the sky

Because there is numerous plane crashes in the recent past, you will need a reliable home insurance coverage policy to help you repair the roof, and other parts of the house in case plane debris falls on your house.

4. Protection from Vandalism

Notably, acts of vandalism mostly occur at night whereby unruly crowds can throw objects at your home causing significant damage. Also, you might wake up to find graffiti drawn on your wall and therefore it would require repainting. For those residents of Lubbock and Amarillo, TX, having a quality home insurance policy from Nest Insurance Agency guarantees such liability claims will be catered for.